Audi Gap Insurance Plus Cover Booklet

Audi Gap Insurance Plus

Cover Booklet

Audi

Financial Services

Finance.

Insurance. Fleet. Mobility.

Welcome 4

Contractual agreement 5

Definitions 6

Eligibility 10

Gap Insurance – what is covered 12

Fixed benefit – what is covered 13

Gap Insurance & fixed benefit – what is not covered 14

General exceptions under this policy 16

Making a claim 17

Cancellation and cooling-off period 18

Transferring your cover 20

Complaints procedure 23

Legal, regulatory and consumer information 24

Contents

Welcome

Welcome to Audi Gap Insurance Plus

This policy is designed to help you in the event that your vehicle is stolen

or damaged beyond economical repair and deemed to be a total loss by

your motor insurer.

Should the worst happen, Audi Gap Insurance Plus could pay the difference

between the motor insurance settlement and the price you paid for your

vehicle or the outstanding balance on your vehicle finance agreement,

whichever is greater. If your vehicle is leased or hired, we will cover

the difference between your motor insurance settlement and the lease

early termination charge, including any rentals paid in advance as

a deposit. The maximum amount payable is subject to the limits detailed

on your schedule.

With your Audi Gap Insurance Plus policy, you will receive an additional

12-month fixed benefit, as detailed in your schedule.

We hope you never need to claim on your Audi Gap Insurance Plus but if you

do, you should follow the claims process shown on page 17. Please note,

you can download this document or access it via the Customer Portal

(www.customerportal.audi-insurance.co.uk) at any time. We recommend

keeping it safe as you will need it if you have to make a claim.

Please ensure you read this Cover Booklet and fully understand the terms and

conditions relating to the policy provided to you. If you have any questions

that are not answered within this Cover Booklet, please contact us.

Please also take a couple of minutes to check the details we hold for you

on your schedule and tell us immediately if there are any mistakes.

Contractual agreement

Audi Financial Services is a trading name of Volkswagen Financial Services

(UK) Limited, registered in England number: 2835230. Volkswagen Financial

Services (UK) Limited is authorised and regulated by the Financial Conduct

Authority.

Audi Gap Insurance Plus from Audi Financial Services is administered by Car

Care Plan Limited which is authorised and regulated by the Financial Conduct

Authority (hereinafter known as the ‘Administrator’).

This policy wording is evidence of a legally binding contract of insurance

between you and Motors Insurance Company Limited (hereinafter known

as the ‘Insurer’, ‘we’, ‘us’, ‘our’).

Motors Insurance Company Limited is authorised by the Prudential Regulation

Authority and regulated by the Financial Conduct Authority and the Prudential

Regulation Authority under number 202875.

This can be checked on the Financial Services Register by visiting the FCA’s

website at www.fca.org.uk/register

Definitions

Whenever the following words or expressions appear in your policy, they have

the meaning given below. For ease of reference, defined words or expressions

in your policy are shown in bold type.

Administrator

Car Care Plan Limited

Jubilee House

5 Mid Point Business Park

Thornbury

West Yorkshire

BD3 7AG

Finance agreement

Means the credit or hire purchase agreement between you and the finance

company relating to your vehicle.

Finance company

An authorised United Kingdom finance company with whom you have

a finance agreement in respect of your vehicle.

Finance early settlement amount

The amount required to settle the credit or hire purchase agreement at the date of

total loss excluding any amount carried over from a previous finance agreement

(negative equity), any insurance premiums, additional interest charges,

discounts, incentives and cashbacks, arrears, road fund licence fee, title discharge

fees and any other financed amount not relating specifically to your vehicle.

Fixed benefit

The amount payable within the terms of the Audi Gap Insurance Plus policy

as detailed in your schedule.

Glass’s Guide

A motor industry publication which provides vehicle valuations.

Grey import

A new vehicle destined for markets outside the European Union which is being

brought into the European Union by parties outside the manufacturer’s official

distribution chain.

Insured value

The value of your vehicle excluding any contents:

• As assessed by the motor insurer of your motor insurance policy on your

vehicle at the date of the total loss; or

• As assessed by the motor insurer of a third party against which you have

a claim or our appointed assessor, at the date of the total loss.

Please refer to the conditions under ‘Making a claim’ within this policy.

Insurer

Motors Insurance Company Limited, Jubilee House, Thornbury,

West Yorkshire BD3 7AG.

Lease agreement

The contract hire or lease agreement with the lease company relating to your

vehicle, for the use of your vehicle.

Lease company

An authorised lease company with whom you have a lease or contract hire

agreement in respect to your vehicle.

Lease early termination charge

The net balance required by the lease company at the date of the total loss

to settle the balance owing under the lease agreement, excluding any arrears,

all maintenance, road fund licence fee, late payment charges, insurance

premiums, recoverable VAT, excess mileage charges, excess wear and tear

charges and any uncollected premium due under this policy.

Motor insurance policy

A policy issued by a motor insurer in accordance with the Road Traffic Act

1988, which insures your vehicle on a comprehensive basis for the full market

value of your vehicle throughout the period of insurance. Where your vehicle

is being used by any permitted driver, a comprehensive motor insurance policy

must be held by them in respect of your vehicle. Please note: Motor trade

insurance policies of any type are excluded.

Motor insurance excess

The amount deducted from your motor insurance settlement by your motor

insurer.

Motor insurance settlement

The amount your motor insurer will pay to settle your claim for total loss

excluding any deductions they make, such as those to take account of,

modifications, lack of servicing or an invalid MOT test certificate.

Motor insurer

A United Kingdom authorised motor insurance company that issued the motor

insurance policy for your vehicle.

Negative equity

Any outstanding finance carried over from a previous vehicle, finance

agreement or lease agreement.

Period of insurance

The period of time between the start date of this policy and the expiry date

as shown on your schedule or the earliest of the following:

• The date your vehicle is declared a total loss; or

• The date your vehicle is repossessed by the finance company or lease

company; or

• The date your vehicle is sold or transferred to a new owner; or

• The date on which your policy is cancelled; or

• The date on which you do not pay the premium due.

Your policy is non-renewable however at the end of year three, you will be

given the option to replace your 12-month fixed benefit with a 12-month

extension of your existing Gap Insurance cover.

Premium

The total amount you have agreed to pay us for this insurance policy. If you

have not paid your premium, we will not provide cover from the date the

premium was due. If the monthly payment option has been chosen and any

instalment is not paid, your policy will end 30 days after the date the missed

instalment was due.

Proposal

The document or declaration that records the information you gave us when

you bought your policy and which your contract with us is based on.

Purchase price

The purchase price of your vehicle as confirmed in the net sales invoice which

includes delivery, factory fitted accessories and Audi Centre fitted options

but excludes any insurance premiums. We exclude all deposit allowances,

discounts, rebates, concessions, cashbacks, incentives and contributions.

We also exclude new vehicle registration fees, road fund licence fee, number

plates, warranty costs, fuel, servicing plans, paintwork protection applications,

other extras, arrears or negative equity transferred from a previous finance

agreement or lease agreement.

Salvage value

The amount deducted by the motor insurer from a motor insurance

settlement, to enable you to keep ownership of your vehicle.

Schedule

The document that will be provided to you and gives the details of the vehicle

covered. We will replace your schedule if you make any changes to the policy

during the period of insurance.

Start date

The date the insurance cover commences as shown on your schedule.

Territorial limits

England, Scotland, Northern Ireland, Wales and the Channel Islands. Your

vehicle is also covered in the European Union and any other country shown on

an International Motor Insurance Card (“Green Card”). This is for as long as you

maintain a comparable level of cover on your motor insurance policy as in the

United Kingdom and that this cover is in force on the date of an incident that

results in a total loss.

Total loss

A claim under your motor insurance policy for your vehicle as a result of

accidental or malicious damage, fire or theft, where your vehicle is beyond

economic repair resulting in a motor insurance settlement.

United Kingdom

England, Scotland, Wales and Northern Ireland.

We, us, our

Motors Insurance Company Limited.

You, your

Means either:

• A private individual or sole trader who is at least 18 years of age and whose

name is on the schedule; or

• A partnership where one name is on the schedule; or

• A limited company or other legal entity whose name is on the schedule.

Your vehicle

The car or light commercial vehicle up to 3.5 tonnes gross vehicle weight

shown on your schedule.

Eligibility

Your vehicle must:

• be shown in Glass’s Guide;

• be registered with us within 100 days of the original purchase date;

• be covered by a motor insurance policy throughout the period of insurance;

• have been supplied to you by an Audi Centre;

• be insured by a motor insurance policy providing comprehensive motor

insurance to the full market value, not to trade cost or an agreed value.

Your vehicle must not:

• be insured on any type of motor trade insurance policy;

• be used as an emergency or military vehicle, courier or delivery vehicle,

for driving school tuition, for any hire or reward or as a taxi;

• be used for track days, road racing or rallying, pace making, speed testing

or any other competitive event;

• have been purchased via a private sale;

• have been modified other than in accordance with your vehicle

manufacturer’s specification. In this instance, cover will not be provided

if we determine that the total loss occurred as a result of this modification;

• be a scooter, motorcycle, touring caravan, non-United Kingdom specification

vehicle or not built for principal sale within the United Kingdom or classed

as a grey import, kit car, bus, coach, commercial vehicle more than 3.5

tonnes, truck or a heavy goods vehicle;

• be owned by a garage, motor trader or any other associated motor trade

company;

• have been manufactured in the United States of America and imported

directly from that country and purchased as new from an authorised

distributor within the United Kingdom.

You must:

• be either the owner of your vehicle or have a finance agreement or lease

agreement in relation to your vehicle or are the registered keeper of your

vehicle;

• be at least 18 years of age at the start date of this policy if you are a private

individual or a sole trader;

• be a resident within the United Kingdom for the period of insurance

of this policy;

• have applied for this insurance cover in the form approved by us;

• have paid or agreed to pay the insurance premium for this policy;

• agree to comply with the terms and conditions of this policy.

Changes in your circumstances

Please tell the Administrator immediately about any of the following changes

that may affect your cover. If you fail to do so, your policy may not be valid and

your claim may not be paid.

You must tell the Administrator if:

• you move house; or

• your name changes (for example, by marriage); or

• you change your vehicle or the owner of your vehicle changes; or

• you change what you use your vehicle for (for example, you start using

it for business purposes); or

• you make changes to your vehicle; or

• you change your registration number to a cherished number plate.

Gap Insurance - what is covered

Following the total loss of your vehicle during the period of insurance,

we will pay the difference between the insured value and the purchase price

of your vehicle if you have purchased your vehicle outright or with a finance

agreement.

If the finance early settlement amount is greater than the purchase price

of your vehicle, we will pay the difference between the insured value and

the finance early settlement amount. The benefit will be paid to the finance

company and we will pay any excess over the finance early settlement amount

to you.

If you have a lease agreement, we will pay the difference between the insured

value and the lease early termination charge to the lease company as well

as the original up-front payment that you had made in the form of rentals paid

in advance.

Any amount due will be paid to you where your vehicle is not subject

to a finance agreement or lease agreement.

The maximum claim limit is based on your vehicle purchase price and

is shown in your schedule.

Fixed benefit - what is covered

Your Audi Gap Insurance Plus policy includes a 12-month fixed benefit that

starts once your 36-month Gap Insurance cover ends.

Following the total loss of your vehicle during the additional 12-month fixed

benefit period of insurance, we will pay a fixed benefit as detailed in your

schedule.

Any amount due will be paid to you where your vehicle is not subject

to a finance agreement or lease agreement.

If you have a remaining balance on your finance agreement or lease

agreement, the benefit will be paid to the finance company and we will

pay any excess over the finance early settlement amount to you.

The maximum claim limit is based on your vehicle purchase price and

is shown in your schedule.

Gap Insurance & fixed benefit

- what is not covered

We will not cover:

• a total loss where the total loss occurred before the start date of this

insurance;

• a total loss caused by someone using your vehicle with your consent

that is not eligible to drive your vehicle under the terms of your motor

insurance policy or did not have fully comprehensive insurance in place

for your vehicle;

• a total loss caused by someone who does not hold a valid driving licence

or is in breach of the conditions of their driving licence, for whom you gave

consent to drive your vehicle;

• a total loss occurring outside the territorial limits;

• a total loss occurring where your vehicle had been driven in the European

Union, outside the territorial limits or any other country shown on an

International Motor Insurance Card (“Green Card”), where you have

not kept in force a motor insurance policy providing an equivalent level

of cover as you would have enjoyed within the United Kingdom;

• any loss of use of your vehicle or any other costs that are directly or

indirectly caused by the event which led to your claim, unless specifically

stated in this policy;

• any loss, destruction or damage to any property and any expense incurred

as a result;

• any premium owed and other deductions from the settlement by the

motor insurer of a total loss claim on your vehicle;

• any motor insurance excess above £500 that is deducted from the

settlement by the motor insurer of a total loss claim on your vehicle;

• the salvage value of your vehicle if you are not required to transfer

the ownership to the motor insurer;

• any claim where the motor insurer has offered to repair your vehicle

but you have requested the claim to be dealt with on a total loss basis;

• the VAT element of any claim where you are VAT registered;

• where you have a finance agreement, any arrears and any interest payable

on those arrears if the finance early settlement amount from the finance

agreement is greater than the original purchase price; or where you have

a lease agreement, any arrears and any interest payable on those arrears

if the lease early termination charge from the lease agreement is greater

than the original purchase price;

• deposit allowances, discounts, rebates, concessions, cashbacks,

incentives and contributions. Please refer to purchase price in the

‘Definitions’ section;

• insurance premiums, new vehicle registration fees, road fund licence

fee, servicing plans, number plates, any finance arrears, all maintenance,

recoverable VAT, excess mileage charges, excess wear and tear charges,

warranty costs, fuel, paintwork protection applications, other extras,

arrears, any interest payable on these;

• any negative equity;

• any liability where the terms of the policy have been amended or altered

without our written consent to you;

• the same percentage or amount deducted by the motor insurer of your

vehicle, if they reduce the motor insurance settlement because of your

failure to provide correct information or inform your motor insurer

of any changes that could adversely affect your motor insurance policy.

For example, if your vehicle has no valid MOT test certificate or lack

of servicing at the time of the total loss or you fail to disclose to the motor

insurer any previous losses or motoring offences including convictions,

endorsements, penalty points, speed camera offences and disqualifications

or criminal prosecutions. Please note, this does not include any amount

deducted by the motor insurer of your vehicle for any identified pre-

existing damage.

General exceptions under this policy

Cyber attack

We will not pay for any loss, damage, liability or expense, directly or indirectly

caused by, contributed to, or arising from one single event where the use or

operation of any system, software, malicious code, virus, process or any other

electronic system, intended to inflict harm, impacts your vehicle and other

vehicles simultaneously.

Earthquake

We will not cover any total loss if the loss or damage to your vehicle is caused

by earthquakes.

Pressure waves

This policy does not cover any total loss caused by pressure waves of an aircraft

or other aerial device travelling at sonic or supersonic speed.

Radioactivity

This policy does not cover any total loss caused by:

• Ionising radiation or radioactive contamination from nuclear fuel or from

burning nuclear fuel; or

• Radioactive, poisonous, explosive or other dangerous properties of any

explosive nuclear machinery or any part of it.

Riot

We will not cover any total loss that is caused by riot or civil commotion

if the loss or damage to your vehicle happens outside the United Kingdom.

War

This policy does not cover any total loss caused by war, invasion (whether

or not war is declared), revolution, military force, acts of terrorism or other

hostile events, unless we must provide cover under the Road Traffic Acts.

Making a claim

If you consider your vehicle is likely to be declared a total loss,

here’s what to do.

Access the Customer Portal at www.customerportal.audi-insurance.co.uk

Or email gapinsuranceclaims@audi-insurance.co.uk

Or contact the Administrator on 0344 573 7560.

You will need to tell us within 120 days of your total loss occurring.

When notifying us, you will need to have the following information:

• Your policy number; and

• Your details as recorded on the schedule.

The Administrator may arrange for one of its representatives to visit you

to help investigate your claim.

IMPORTANT

Please contact the Administrator in order to register your claim prior

to agreeing any settlement offer from your motor insurer. You should

maintain any loan or finance payments that are due whilst your claim

is being assessed by us.

If you accept a motor insurance settlement from the motor insurance

policy before contacting the Administrator, we reserve the right to contact

the motor insurer in your name to assess the offer of settlement and where

necessary seek settlement in-line with Glass’s Guide retail at the time of your

vehicle being declared a total loss.

The Administrator may, in your name, take over and deal with a claim to try

to recover any money the Administrator has paid out under this policy from

others. You must give the Administrator whatever help it needs at all times.

If you decline the offer of a replacement vehicle under the terms of the motor

insurance policy, or you are eligible for a replacement vehicle under your

motor insurance policy then we will settle the claim based on the value of the

replacement vehicle and not the settlement figure offered under the motor

insurance policy.

The Administrator reserves the right to subject your vehicle to independent

inspection.

During the first 36-month period of your Gap Insurance Plus policy, in the

unlikely event that the insured value is no less than the purchase price of

your vehicle at the date of the total loss claim, whereby a monetary claim

of any amount cannot be made against this policy (i.e. there is no gap for

this policy to cover), you will be entitled to a full refund of premium, inclusive

of Insurance Premium Tax (IPT) that you originally paid for this policy.

Other insurance

If you are covered by any other policy for any claim covered under this policy,

we will pay only our share of the claim in the first 36 months of your Gap

Insurance Plus policy, and in the fixed benefit period we will pay the fixed

benefit amount as detailed in your schedule.

Subrogation (our rights of recovery)

We may at our own expense, following the payment of a claim, take over your

rights to recover payment or relief from a third party responsible for the loss,

up to the amount paid out under the policy.

Cancellation and cooling-off period

If this policy does not meet your needs, you have 30 days from the date you

received your policy documents to cancel the policy and obtain a full refund.

To cancel your policy within this 30-day period, please contact the Audi Centre

who sold you your policy.

If you wish to cancel your policy after this 30-day period but before the

inception of the 12-month fixed benefit period of insurance, you will receive a

full refund for the 12-month fixed benefit portion of your premium and a pro

rata refund on the remaining duration of your 36-month Gap Insurance cover,

subject to a cancellation fee of £20.

If you cancel during the 12-month fixed benefit period of insurance, you

will receive a pro rata refund on the 12-month fixed benefit portion of your

premium (as detailed in your schedule), without a cancellation fee.

To cancel your policy after 30 days of your cover start date, please contact

the Administrator by calling 0344 573 7560 or by writing to:

The Audi Gap Insurance Customer Service Manager, Car Care Plan Limited,

Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG.

The percentage refund will be calculated from the date your request to cancel

is received. An administration fee of £20 will be deducted from the calculated

amount prior to any refund being paid.

Please note that we will not provide a refund if you have claimed for the total

loss of your vehicle or an incident has happened where you could make a claim

for a total loss.

If you have paid for your policy in full, as opposed to a Car Care Plan Limited

instalment agreement, provided that you have not made a successful claim,

the Administrator will provide you with a refund proportional to the length

of time the policy has been in force and is calculated using the policy start

date. The amount of refund you receive will be based on each full calendar

month remaining on your policy used as a percentage of the original duration

of your policy, less an administration fee of £20.

If you have paid for your policy by instalment payments through an instalment

agreement with Car Care Plan Limited, any refund amount owed to you will be

calculated in line with the following rules:

• Where you have paid all the instalment payments, we will calculate

the refund as above. The refund will be paid directly to you; and

• Where you have NOT paid all the instalment payments, we will calculate

the refund as above and:

1. If the refund you are eligible for is in excess of the total outstanding

instalment payments you owe Car Care Plan Limited, we will pay the

difference directly to you; or

2. If the refund you are eligible for is less than the total outstanding

instalment payments you owe Car Care Plan Limited, the refund will be

applied as part-payment of your total outstanding instalment payments.

You will continue to be responsible for paying the remaining outstanding

payments on your instalment agreement with Car Care Plan Limited until

the balance calculated at the time of notice of cancellation received by the

Administrator has been settled.

Please allow up to 28 days for your cancellation and refund to be processed.

Transferring your cover

In the event that your vehicle is declared a total loss by the motor insurer,

whereby the motor insurer has provided you with a replacement vehicle or

your vehicle is replaced under a manufacturer’s or Audi Centre’s warranty,

you may transfer this policy to the replacement vehicle subject to the following

terms and conditions:

• The total loss has occurred within 12 months of the start date of this

policy; and

• The replacement vehicle must have been provided by the motor insurer

in settlement of a claim for the total loss of your vehicle; and

• The start date of the policy will remain the same; and

• The period of insurance will remain the same; and

• You have not made a claim under your policy relating to your vehicle

or motor insurance excess.

If you have taken out a finance agreement to purchase your vehicle,

the purchase price of your original vehicle will be used to calculate any

future claim under this policy, irrespective of whether the purchase price

of the replacement vehicle is higher or lower than your original vehicle.

How to transfer

• Write to the Administrator within 30 days of having taken delivery of the

replacement vehicle.

• Provide a copy of the original invoice for your vehicle.

• Provide a copy of the invoice for the replacement vehicle.

Complaints procedure

We hope that you will be pleased with the service we provide.

In the unlikely event of a complaint, you should contact the Administrator on

0344 573 7560 or in writing to:

The Audi Gap Insurance Customer Service Manager, Car Care Plan Limited,

Jubilee House, 5 Mid Point Business Park, Thornbury, West Yorkshire BD3 7AG.

You can also email us at [email protected].uk

Financial Ombudsman Service

If it is not possible to reach an agreement, you also have the right to ask the

Financial Ombudsman Service to review your case. The right to apply to the

Ombudsman must be exercised within six months of the date of our final

decision.

For more information, you can visit the Financial Ombudsman Service website:

www.financial-ombudsman.org.uk or write to:

The Financial Ombudsman Service, Exchange Tower, London E14 9SR.

Phone: 0800 023 4567 or 0300 123 9123

We abide by the Motor Industry Vehicle Warranty Products Code

of Practice which can be found on The Motor Ombudsman Website

at www.TheMotorOmbudsman.org. The Motor Ombudsman will offer

free impartial information and if appropriate an alternative dispute

resolution process in the event that you are not satisfied with the

outcome of a concern.

For further information, you can visit The Motor Ombudsman

website at www.TheMotorOmbudsman.org or call their Information

Line on 0345 241 3008.

Legal, regulatory and

consumer information

The law that applies to this policy

This policy is governed by English law. If there is a dispute, it will only be dealt

with in the courts of England or of the country within the United Kingdom in

which your main residence is situated.

Language

All communication between you and us will be conducted in English. We record

telephone conversations to offer you additional security, resolve complaints

and improve service standards. Conversations may also be monitored for staff

training purposes.

For policyholders with disabilities the Administrator is able to provide

large print documentation, upon request. Please advise the Administrator

if you require any of these services to be provided so the Administrator can

communicate with you in an appropriate manner.

Your duty

You are required by the provisions of the Consumer Insurance (Disclosure

and Representations) Act 2012 to ensure you supply accurate and complete

answers to all the questions in the proposal and to make sure that all

information supplied is true and correct. You must tell us of any changes

to the answers you have given as soon as possible. Failure to advise us of

a change to your answers may mean that your policy is invalid and that it

does not operate in the event of a claim. We may also recover any money

we may have paid under this policy.

Under English Law, it is an offence to make a false statement or to withhold

any material information in order to obtain a schedule of insurance.

We reserve the right to decline any insurance risk or to change the premium

and the terms quoted.

Financial Services Compensation Scheme

Motors Insurance Company Limited, who underwrite this insurance are covered

by the Financial Services Compensation Scheme (FSCS). You may be entitled

to compensation from the scheme if they cannot meet their obligations.

This depends upon the type of business and the circumstances of the claim.

Insurance advising and arranging is covered for 90% of the claim amount,

without any upper limit.

For further information about the scheme (including the amounts covered

and eligibility to claim), you can contact the FSCS helpline on 0800 678 1100

or 0207 741 4100, visit the website www.fscs.org.uk or write to Financial

Services Compensation Scheme, PO Box 300, Mitcheldean, GL17 1DY.

Privacy and data protection notice

1. Data protection

Car Care Plan Limited (the “Data Controller”) are committed to protecting

and respecting your privacy in accordance with the current Data Protection

Legislation (“Legislation”). Below is a summary of the main ways in which

the Data Controller processes your personal data. For more information

please visit www.view-privacy-policy.co.uk

2. Use of your personal data

The Data Controller may use the personal data it holds about you for the

purposes of providing insurance, handling claims and any other related

purposes (this may include underwriting decisions made via automated

means), for offering renewal, research or statistical purposes and to

provide you with information, products or services that you request from

the Data Controller or which the Data Controller feels may interest you.

The Data Controller will also use your data to safeguard against fraud

and money laundering and to meet the Data Controller’s general legal

or regulatory obligations.

3. Disclosure of your personal data

The Data Controller may disclose your personal data to third parties

involved in providing it with products or services, or to service providers

who perform services on the Data Controller’s behalf. These include group

companies, affinity partners, brokers, agents, third party administrators,

reinsurers, other insurance intermediaries, insurance reference bureaus,

credit agencies, fraud detection agencies, loss adjusters, external law

firms, external auditors and accountants, regulatory authorities, and as

may be required by law.

4. International transfers of data

The Data Controller may transfer your personal data to destinations

outside the European Economic Area (“EEA”). Where the Data Controller

transfers your personal data outside of the EEA, the Data Controller will

ensure that it is treated securely and in accordance with the legislation.

5. Your rights

You have the right to ask the Data Controller not to process your data for

marketing purposes, to see a copy of the personal information held about

you, to have your data deleted (subject to certain exemptions), to have

any inaccurate or misleading data corrected or deleted, to ask for a copy

of your data to be provided to any controller and to lodge a complaint

with the local data protection authority.

6. Retention

Your data will not be retained for longer than is necessary, and will be

managed in accordance with the Data Controller’s data retention policy.

In most cases the retention period will be for a period of seven (7) years

following the expiry of the contract, or the Data Controller’s business

relationship with you, unless the data must be retained for a longer

period due to business, legal or regulatory requirements. If you have

any questions concerning the Data Controller’s use of your personal

data, please contact:

The Data Protection Officer, Car Care Plan Limited, Jubilee House,

5 Mid Point Business Park, Thornbury, West Yorkshire, BD3 7AG.

Anti-fraud and theft registers

We or the Administrator may pass information to various anti-fraud and

theft registers.

The aim is to help insurers check the information provided and to prevent

fraudulent claims. When your request for insurance is considered, these

registers may be searched. When you tell the Administrator about an event,

the information relating to the event will be passed on to the registers. It is

a condition of this policy that you inform the Administrator about an event,

whether or not it gives rise to a claim.

Fraud

You must not act in a fraudulent way. If you or anyone acting for you:

• makes a claim under the policy knowing the claim to be false

or exaggerated in any way; or

• makes a statement in support of a claim knowing the statement to be false

in any way; or

• provides the Administrator with any documentation in support of a claim

knowing the documentation to be forged or false in any way; or

• makes a claim for any loss caused by your deliberate act or with

your agreement.

Then we or the Administrator:

• will not authorise the claim;

• may not authorise any other claim which has been or may be made under

the policy;

• may declare the policy void;

• will be entitled to recover from you the amount of any claim already paid

under the policy;

• will not return any of your premium;

• may let the police know about the circumstances.

Contracts (Rights of Third Parties) Act

Under the Contracts (Rights of Third Parties) Act 1999 or any other relevant

laws, only you and we may enforce any of the terms of this policy. This will not

affect any rights other people or organisations have under other laws.

10691 AUDI-UK GAPPLUS-CB 01/21 E

Audi Gap Insurance is administered by Car Care Plan Limited and underwritten

by Motors Insurance Company Limited.

Car Care Plan Limited, Jubilee House, 5 Mid Point Business Park, Thornbury,

West Yorkshire BD3 7AG

Phone: 0344 573 7560

insurewithaudi.co.uk